Problems And Strategies Of Commercial Bank On Supply Chain Financing Business

At present, many commercial banks must constantly innovate new financial products in order to realize the rapid development of its own in an increasingly fierce market economy competition. Not only relying on the traditional deposit and loan spreading way of development of a single business model, the commercial banks come to develop the supply chain financing business model innovation and to promote its rapid development from their own business development and enterprise capital operation needs and through the development of financing business enterprise innovation, aiming at the characteristics of production and management of enterprise financing scheme design, which is one of the effective measures to resolve financing dilemma. Supply chain financing based on the core enterprise as the breakthrough point, with the effective control of the logistics, capital flow and information flow and related party responsibility bound, for suppliers, dealers of the long-term cooperation with the core business:that is commercial banks to provide financing services according to the corresponding upstream and downstream enterprises of the core business through the different period accounts on receivable, payable and prepaid accounts, which should be relatively to improve the rapid of withdrawal from circulation of the funds, the use of the funds rate and the capita turnover rate.On the other side, the small and medium scale enterprise in the supply chain business is able to acquire the bank support on the mode of supply chain financing business, which is the bank to provide funds to enter the supply chain of the whole chain, which can activate the whole supply chain, enhancing the enterprises in the supply chain capital competitiveness. As in the normal bank credit mode, the financing ability of small and medium sized enterprises relatively weak, such as the relatively high cost of financing compared with the big company. However, in a strong core of enterprise security, the bank will give the small and medium sized enterprises lower financing costs, which make its capital operation and the financing problem of small and medium-sized enterprises effectively, Meanwhile, which improves the large and medium-sized core enterprise funds payment ability, making use of funds and effective to improve the capital turnover rate, effective. Foundation of commercial bank supply chain financing problem on the paper summarizes and analyzes, describes a commercial banks has actual operating case product supply chain financing, according to the analyses supply chain financing products of this case, and gives the improvement measures and suggestions to the innovation.